East Alabama Community Federal Credit Union

Headquarters: Opelika, Alabama
Charter: Credit Union
Assets: $20.8M
Fed district: Atlanta

13 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 14, 2026.

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
East Alabama Community Federal Credit Union: $30
East Alabama Community Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
East Alabama Community Federal Credit Union: $30
East Alabama Community Federal Credit Union: $30
U.S. median: no median
Stop Payment
Compared at $30, the middle of its prices
East Alabama Community Federal Credit Union: $30 to $40
East Alabama Community Federal Credit Union: $30 to $40
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 14, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Alabama, the Atlanta district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Alabama: Banks and credit unions headquartered in Alabama that publish the fee.
Atlanta district: Banks and credit unions headquartered in the Atlanta Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from East Alabama Community Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

120 daysof inactivity$5
Inactive Share/Share Draft Account Fee$12
Not compared: Annual charge, not monthly
per year
Account Research/ Reconciliation Fee$10
Not compared: Charged per hour; comparison unavailable
per hour
Share Savings Account Excess Withdrawal Fee$3
per item
Returned Mail Fee$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Overdraft Privilege Fee$30
per item
ATM/Debit Withdrawal NSF Fee$30
per item

ATM & Card

ATM/Debit/Chip Card Replacement Fee$8
per item

Check Services

Official Check Fee$5
per item
Money Order Fee$1
per item
ACH Stop Payment Fee$30
per item
Official Check Stop Payment Fee$40
per item
Stop Payment Fee$30
per item
Counter Checks$3
per item
Check Copy$3
per item
Copy of check$1
per item

Account Services

Garnishment/Levy$10
per item

Gift & Prepaid Cards

VISA Gift Card Fee$4
per item

Other Fees

Statement Copy Fee / Instant Statement$2

Fee	Amount	Basis	Note
Account Maintenance
120 daysof inactivity	$5	Not stated	None
Inactive Share/Share Draft Account Fee	$12Not compared: Annual charge, not monthly	per year	None
Account Research/ Reconciliation Fee	$10Not compared: Charged per hour; comparison unavailable	per hour	None
Share Savings Account Excess Withdrawal Fee	$3	per item	None
Returned Mail Fee	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Overdraft Privilege Fee	$30	per item	None
ATM/Debit Withdrawal NSF Fee	$30	per item	None
ATM & Card
ATM/Debit/Chip Card Replacement Fee	$8	per item	None
Check Services
Official Check Fee	$5	per item	None
Money Order Fee	$1	per item	None
ACH Stop Payment Fee	$30	per item	None
Official Check Stop Payment Fee	$40	per item	None
Stop Payment Fee	$30	per item	None
Counter Checks	$3	per item	None
Check Copy	$3	per item	None
Copy of check	$1	per item	None
Account Services
Garnishment/Levy	$10	per item	None
Gift & Prepaid Cards
VISA Gift Card Fee	$4	per item	None
Other Fees
Statement Copy Fee / Instant Statement	$2	Not stated	None

Correct a fee source

Oct 14, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

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